International Credits

1
Professional background
KBC background
1997 2002 Millennium Consultants Independent FX
dealer 1999 2002 PricewaterhouseCoopers senior
auditor 2002 now CSOB Prague, KBC Group
2002 2005 Auditor in Charge, Audit of financial
markets Responsible for supervising teams
conducting audits in financial markets area
(dealing room, risk management, assets and
liabilities management) 2005 now Audit manager,
Audit of financial markets Responsibility to map
the risks in assigned area, prepare strategic
plan according to the risk-map and to plan,
manage and evaluate audit assignments thereon. r
Flying RC models is like managing the air
With my team in a wine-cellar
My son high we do like hiking
Friends mean a lot to me -)
I like sports, dominantly football
My family is my treasury
Live in beautiful Prague
And remembering KBC Academy...
Son and niece Would anyone resist children?
Fishing is my passion
2
Professional background
KBC background
Herbert Robijns
1998 2000 Credit Advisor SME credit
department KBC Belgium Main responsibility
assessing individual credit applications from a
risk mitigation perspective. 2001 2004 Policy
Officer SME credit department KBC Belgium Main
responsibility monitoring the business interests
in the development of several risk processes and
tools in the SME Credit, within the Basel II
framework. 2005 2007 Officer General
Coordination Dep. Central Europe KBC Group Main
responsability monitoring and facilitating
communication flows between Group level and local
entities and coordination of selected
projects. 2007 now Trainee Retail
Distribution KBC Belgium Main responsability
Acquiring broad commercial knowledge and
techniques in order to become branch manager.
1994 1998 Fortis Several administrative and
commercial functions 1998 2007 KBC
Ho ho physical activity
The family
The complete family
Fun with the friends
Four kids on a trip
No picture available!
3
Wouter GESQUIERE
Professional background
1997 1999 Portfolio Manager at KBC Luxembourg
(ex CeraBank Luxembourg) 1999- 2001 Portfolio
Manager at KTL Asset Management KB
Luxembourg 2001- 2004 Financial Analyst and
Equity Strategist at KTL Asset Management KB
Luxembourg 2004- now Chief Investment Officer
and Head of Portfolio Management at KTL Asset
Management KB Luxembourg European Private
Banking business unit Conducting Officer UCITS
III Management Company
Live in beautiful Prague
4
KBC background (KBC Bank Belgium)
Wim Van Roosbroeck
1993 - 1999 Functional Analyst ICT
Projects (Terms and Conditions management system,
full scope application Investment Credits) 2000 -
2005 Product Manager Investment Credits Retail
(SME) 2005 - Team Leader Management Reporting
Retail Credits (balanced score card, strategy
policy, ICT masterplan, controlling ) r
Yes, Im a family man
No, I dont mind holidays, gardening,
photography, parties, exhibitions, music, books
5
Milena Svobodová
Professional background
KBC background
2002 Trainee program for graduates
(Quails) 2003 - 2006 Corporate Segment
Management Product Manager for credits and trade
finance 2006 now Corporate Segment
Management Corporate Business Information manager
2002 Czech Technical University in Prague Faculty
for Nuclear Sciences and Physical
Engineering graduation (mathematical
modelling) 2002 now CSOB Prague, KBC Group

Mathematics struggling to survive my PhD
attempts for quite a few years already Cycling
bike can take you anywhere (not only) in the
Czech Republic Jiu-jitsu but dont worry, just
a beginner French if only I had a little bit
more time ?
6
Professional/KBC background
Personal information
Steve Croft
1996 2005 KBC Branch Manager in 3 different
Branches in Antwerp 2005 now KBC
Clusterbranchmanager in Deurne-Merksem 1998-2001
MBA program during 3 years while I was employed
with KBC
Married since 1996 to my lovely wife
Nathalie Hobbies I like to wine dine,
meaning I love to Cook for friends eat
afterwards Motorcycle riding, travelling Golf,
ski,s wimming running Music movies My 2 dogs
(Labradors) are a handful as well
7
Actual position Compliance Officer Central
Eastern Europe and Russia Group Compliance
Stefan Garaleas

• Previous jobs within KBC
• Head Financial Ethics Unit
• Compliance Investigator

• Education
• Master in Law
• Master in Tax Law

• In my free time
• Katka
• Basketball (member of the Board of Belgian
  Federation and member of European Federation
  Commission)

Previous job outside KBC Account manager at a
marketing and events agency working for a.o.
Coca-Cola, ProcterGamble, Bacardi-Martini.
8
Living in Prague
Premek Hanzelka
Head of Corporate Sales and Product Support
dpt. CSOB, Prague KBC Academy II (Fall 2005)
Like running
9
Professional background
KBC background
Petr Doleel
1997 2000 Bank Auustria Creditanstalt
CR Relationship Manager 2000 2004 ING Employee
Benefits Czech Republic Key Account Manager 2004
now CSOB Pojitovna, a.s., clen holdingu
CSOB Manager for Group Life Pension Insurance

• 2004 now
• Manager for Group Life Pension Insurance
• responsibility for selling insurance policies
  and pension insurance products in corporate and
  SME segment
• companies implement these products in their
  Employee Benefits Schemes
• wide range of clients from Exxon Mobil to small
  private companies employing 10 people
• responsible for a team consisting of 7 people
• r

My hobbies family
canoeing hiking tennis
gardening
10
Professional background
KBC background
Jitka Hajicová
2002 now CSOB Prague, KBC Group Internal
audit 1999 2002 ErnstYoung Assurance and
advisory 1994 1999 Czech Telekom Technical
documentation
2005 now Audit manager, Audit of financial
management and supporting processes Responsibility
to map the risks in assigned area, prepare
strategic plan according to the risk-map and to
plan, manage and evaluate audit assignments
thereon.r 2002 2005 Auditor in Charge, Audit of
financial management and supporting
processes Responsible for supervising teams
conducting audits in the area of Finance, HRM,
Procurement, Central services, Marketing,
Communication.

Audit is sometimes fun,
I like skiing
Studying in every age and place
I like traveling with my family and
friends
You must try to see it as New Zealanders do.
but you cant stop progress.
sometimes you balance a bit.
Im aiming the top.
because I wanna be No. 1.
11
Jo Vander Stuyft
Head of Legal KBC Asset Management (until end
2007) Academy III (Fall 2006)
12
Jan Popelka
CSOB background
2000 2003 One of managers of merger of two
banks (CSOB IPB) corporate word 2003
2004 SAP change manager shared services
word 2004 2006 In charge of project office
share services word 2006 - now Manager in
Emerging Business Solutions Unit innovations r
13
Marleen De Win
Professional background
2003 2004 KBC, Credits for Corporates Head of
Sectorteam EGO (Electricity, Gas Oil) 2005
2006 KBC, Credits for Corporates Head of
Sectorteam ENT (Electricity, Automobile
Transport) 2006 now KBC, Retail In training to
be appointed as branch manager
1993 1996 Ministry of Finance Tax Auditor for
corporates 1996 2001 KBC, International Credit
Department Senior Credit Advisor in project,
aircraft and shipping finance 2002 - 2003 KBC,
Credits for Corporates Head of Sectorteam OUT
(Oilgas, utilities and Telecom)
Family passion
Holiday passion
Biking passion
14
Professional background
KBC background
Kris Vangeel
1987 1991 Studies Engineer Electromechanics/ele
ctronics 1991 1992 Army duty (of no
professional relevance) 1992 now KBC Group
1992-1997 System Engineer KBC Mainframe 1997
2002 Teamleader ICT Middleware team 2002 -
2006 Chief Architect KBC ICT infrastructure 2006
- now Department Head ICT Service Management
Family
Hobbies
Married to Nici 2 Sons Kieran (7), Kyle(5)
Photography Kids football
15
Professional background
KBC (NLB) background
Jure Peljhan
1999 2001 NLB System Analyst Programmer
(ICT) 2002 2005 NLB ICT Project Manager 2006
now NLB General manager (Strategic Planning in
ICT)
1999 - 2001 System analyst in ICT. Responsible
for mainframe and web programming in payments.
2002 2005 Project manager (HR, Training,
Payroll, Custody, MIS) 2006 now General
manager responsible for one of three departments
within ICT. Areas of responsibility (Financial
Planning, Controlling, Strategy Preparation, ICT
in NLB Group, ICT Vendor Management, HR
management) r
Hurricane Catherina
Family
Socialising
Biking
Traveling
Mind the gap
16
Professional background
KBC background
Christine Deleye
1989-1992 Accenture Management Consultant 1992
2007 KBC BankBelgium 92-97 product manager
payments dept 97-2006 Cash Management
Adviser 2006-gt Business Unit Manager Trade
Finance
2006-gt Business Unit Manager Trade Finance
Flanders Responsible for a decentralized Trade
Finance business unit(27 people), composed out of
a processing team (22) and a commercial team (5) r
SEA
FAMILY
NATURE
Live in beautiful Prague
17
Professional background
KBC background
Katerina Hamerská
2000 - 2002 IPB Pojistovna Economist 2002 -
2006 CSOB Pojistovna Media Spokesperson 2006
now CSOB Prague, KBC Group
2002 2006 Media Spokesperson Responsible for
external communication, PR 2006 now Head of
Corporate Office (secretary to the
BoD) Preparation of agenda, minutes of the
Country Team CR, Supervisory Board, agenda
related to the support of the Country Team CR r
My Love No. 4 My new home ANTWERPEN
My Love No. 3 My hometown PARDUBICE
My Love No. 1
My Love No. 2 BASKETBALL

18
Bert Wauters
Professional KBC background
1996-1997 KBC national training
team 1998-2004 KBC Branch manager 2005-now
Head of Credit (for private persons) acceptance
administration
Live in beautiful Prague
19
Bart Decin
KBC background

• 1994-2007 KBC
• 94-95 General Training
• 95-97 Credit/audit specialist for SME
• 97-00 SME Advisor
• 00-06 Corporate Relationship Manager
• 06-07 Head of of Energy Transport Team in
  the Corporate Credit Department (IKB)
• Nov07 Cluster Branch Manager (Retail)

20
Professional background
KBC background
Christophe de Changy
1995 to date Christophe.carpentierdechan
gy_at_cbc.be
1995 1999 Structurer in the dealing room of
CBC 1999 2004 Fixed Income and Derivatives
Trader 2004 to date Head of Fixed Income and
Derivatives (Bonds, Interest Rate, FX and Equity
derivatives) r
21
KBC background
Gert Van Craenenbroeck
2000 2001 Financial analyst Corporate Credit
Department Brussels 2002 February 2006 Credit
Adviser - Corporate Credit Department
Brussels February 2006 - Relationship Manager
Corporate Branch Ghent r
22
Monika Bednarz POLAND
Professional background
KBC background
2004 to date Team Leader Bad Bank - Loan
Restructuring Corporate Turnaround the Art of
ResuscitationBr
Until 2004 translator Freelancer, Pricewterhouse
Coopers
Female
Bookworm
Twins
Car high tech lover
23
(Isa)Bella Boon
KBC background (KBC Insurance Belgium)
1996 - 2004 Life Actuary 2005 May 2006 Program
Project manager reporting architecture
life June 2006 - Head of Actuarial Life Dept
My hubby Ceriel and one of my hobbies
Wining dining, friends, strategic board games,
traveling reading
24
Personal details
CSOB/KBC background
Jindrich Horak
Age 35 years Family married, 2
children Education Technical University in
Prague Hobbies Sport (tennis, badminton,
) House Garden
1995 1998 Credit risk - financial analyst 1998
2000 Head of client department 2000
2005 Corporate segment relationship
manager 3 2005 now Commercial director in CSOB
Factoringr
Chidren With
? MUM
DAD ?
25
Professional background
KBC background
Tomasz Miedzinski
NO PROFESSIONAL BACKGROUND OUTSIDE KBC GROUP
2003 2003 Risk Management in Kredyt
Bank Responsible for risk measures of ALM
positions in KB Group 2003 2006 ALM Kredyt
Bank Group-wide methodology implementation and
development 2006 now Asset Management Office
Warta Methodology implementation, investment
products support, strategic investments
At this moment totally crazy about my family
26
Professional background /experience
KBC / KREDYT BANK /
Gdansk Universityetc. JUL2000 OCT2002 -
Millennium Bank (BCP Group) Project
Finance Team Project Finance Analyst JUL1999
JUL2000 - Lodmor
Management Boards Representative - General
Internal Auditor of Quality Systems ISO 9000.
Ice Cream Frozen Fruits Factory with deep
frozen storage services.

• OCT2002 now Kredyt Bank SA
• Project Finance Manager
• Structured Finance Manager
• Senior Structured Finance Manager
• Head of Project Finance and Syndication Office
  (former called Structured Finance
  Department)

....after hours....
Live in beautiful
27
Professional background
Zsuzsanna Deak
1997 2001 Raiffeisen Bank Budapest Cash
Management product specialist 2001-2003 Pricewater
houseCoopers Budapest CashTre Manager 2003
2007 KH Bank Budapest, KBC Group 2007 KBC CEU
Brussels
My husband, the dogs, sailing, skiing,
travelling.....
KBC background
2003 - 2005 KH Bank Corporate Banch Network
coordination Network support manager 2005
2007 KH Bank Corporate Strategy and Business
Policy Senior Business Policy Advisor 2007 KBC
BU Cenrtal and Eastern Europe Russia Senior
Project Manager
28
Eelko Truijens
Professional background
KBC /CSOB background
1995 1997 City of Utrecht and City of
Brno Consultant Internatiol Co-operation 1997
2001 ABN AMRO Bank N.V. Prague Head of Customer
Service 2001 now CSOB Prague, KBC Group
2001 2003 Migration and Merger Manager
Retail/SME 2003- 2005 Operational Support Manager
Retail/SME 2005 september 2007 Area Manager
Prague region Retail/SME Oktober 2007 Process
Manager Retail/SME
29
Libor Cerný
Professional background
2002 - 2004 Kooperativa pojitovna underwriter
2004 - 2006 CSOB Pojitovna procesmanager 2006
- CSOB Pojitovna chief procesmanager for
non-life insurance
Family and hobbies
30
Wim Jonckheere
KBC background

• 1994-2007 KBC
• 94-97 Trainee Branchmanger
• 97-03 Branchmanager
• 97-06 Clusterbranchmanager
• 06-07 Project manager Retail
• 07 - ?? Clusterbranchmanager Bruges

31
Stanislava Nevidzanová
2003 2006 Bancassurance Manager, CSOB Insurance
SR since 2006 Manager of Platform Comfort of
Payment SR Retail segment marketing, CSOB SR
Where do I live?
My weekends on the beach
What I like to do?